Latest Posts
Home > Ask The Get Out of Debt Experts > My Credit Reports Are in Such Bad Shape That I Can’t Get Credit Anymore. – Mariana

My Credit Reports Are in Such Bad Shape That I Can’t Get Credit Anymore. – Mariana


“Dear Steve,

My credit reports are in such bad standing that I can not get any more credit. I suspect identity theft on my credit report from Equifax but can’t obtain a copy of it bc of all the fradgulent claims such as a mortgage on a home – I dont own a home.

How can i get a copy of the report if they wont give it to me since i cant verify the mortgage on it – I never took out a mortgage!?

How can i dispute this once i finally get a copy of the report?



Dear Mariana,

You need to get a copy of your consolidated credit report. This consolidated credit report is the same one I use. It contains information about you from all three major credit bureaus. A single bureau credit report is not going to do the job to find out what everyone is saying and reporting about you.

Order your credit score with the consolidated credit report when you order it online.

Once you download your report it will be in an easy to read format. Dispute instructions will be included with the consolidated credit report. The credit score section of the report will show you exactly what you need to do to improve your score.

It is a very straightforward process once you get the consolidated credit report in your hands.


Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.